if you hire qualified veterans, up to $12,000 tax credits. that withdrawal is tax-free. it is not subject to the regular withdrawal rules of the i.r.a. >> a couple questions. my husband passed away in december 2010, and last year i was able to file my federal as married. what am i considered this year, single or married? >> first of all, sorry for your loss. in 2011 you will be filing as a single individual. >> i did a rollover of a 401-k. the company that managed the 401-k over-paid the benefits, and my credit union took benefits to pay them back. how do i report this on my taxes? >> there really should not be reportable taxes for the taxpayer. the trustee will receive the funds back from the credit union. and the credit union will report to the i.r.s. that this is a nontaxable distribution from that i.r.a. >> and a third question here. i had to file an amended tax return. i forgot about sick pay i received last year. my refund went up, and i have been waiting for the extra money. i received a letter that the tax was adjusted and what i expected it to be, but the form d